At a glance
- Variable (owner occ. P&I)
- 6.25% · 6.26% comparison
- Variable (investor P&I)
- 6.55%
- Max LVR
- 80%
- Features
- offset, redraw, extra repayments
§ 01 — Rates · 4
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariablePrincipal and Interest, Investor, Discounted Rate | Investment · P&I | — | — | 6.55% | 6.55% | — |
| VariablePrincipal and Interest, Investor, Index Rate | Investment · P&I | — | — | 9.24% | — | — |
| VariablePrincipal and Interest, Owner Occupied, Discounted Rate | Owner occupied · P&I | — | — | 6.25% | 6.26% | — |
| VariablePrincipal and Interest, Owner Occupied, Index Rate | Owner occupied · P&I | — | — | 8.64% | — | — |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ANZ LOAN DISCHARGE FEE | Event | $350 | — | This fee is payable each time ANZ is required to attend a property settlement (in person, electronically or another way) and a discharge of the Mortgage over the Property is required. |
| LATE PAYMENT FEE | Event | $20 | — | Charged when a payment remains unpaid for 30 days or more after it is due. A further fee is payable monthly when the loan continues to be in arrears. |
| PRODUCTION FEE | Event | $150 | — | This fee is payable each time ANZ produce title documents for you (in person, electronically or another way) on your request. |
| DISCHARGE OF MORTGAGE | Other | $0 | — | Payable to the government body when discharging an existing mortgage over a property. Refer to a relevant state/territory revenue office for the amount |
| REGISTRATION OF MORTGAGE | Other | $0 | — | Payable to the government body when registering a mortgage over a property. Refer to a relevant state/territory revenue office for the amount |
§ 03 — Features
Offset accountRedrawExtra repaymentsDigital bankingFraud protection
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Australian Citizen, New Zealand Citizen, Australian Permanent Resident
- · Available to individuals
- · Amount $10,000 to $2,000,000
- · Maximum LVR 80%
- · You're refinancing an existing home loan
- · You earn PAYG income or rental income
- · You want to refinance your residential property
- · Your property is not located in Tasmania or Northern Territory
- · Additional Lending Eligibility Criteria
- · All applicants are listed on the title to the property
- · You are not a guarantor on any other loan
- · You don't own commercial or industrial property
- · You’re a current ANZ Plus customer or will download the ANZ Plus app and open an eligible ANZ Plus deposit account/s before applying
§ 06 — Run the numbers
Put this product through a calculator
Published by ANZ Plus under the Consumer Data Right, last changed by them on 15 May 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.